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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Supplement coverage for federal employee

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.

Q: My husband is a retired federal employee. We have primary health insurance through Blue Cross Blue Shield Federal. We are looking for a policy that would supplement this coverage. The policy we are looking for would pay the remaining costs including deductibles and co-pays. My husband is Medicare eligible but only has Part A. I am not Medicare eligible and we still have a daughter in college who is also covered by our current plan.

A: The product called "Value Health" and "Value Med" available at and the products called "Basic Health Insurance" at are all specifically intended for this purpose. However, once becoming Medicare eligible, a Medicare supplement policy replaces these typical supplemental plans. Each pays a cash benefit directly to the policy holder. That benefit is paid in addition to any other insurance that is in force. For maximum coverage, you may combine all three of these policies if they are available in your state and you meet the medical eligibility requirements. All of these policies offer easy online enrollment throughout most of the U.S. and coverage starts on the first ay of the month following enrollment and first premium payment.


More resources:
ValueHealth hospitalization insurance ValueMed outpatient insurance Basic Health Insurance